Loan Administration Team Lead

Since its inception in 1973, the shareholders and management of NBT Financial Bank (NBT) have maintained the same long-term vision for the bank. We are a locally owned, independent, community bank that intends on providing prompt, courteous service to our customers, and looks to establish long-term relationships with those we serve.

NBT is a community bank, which means we believe in serving and supporting the markets where we are located. NBT Officers are required to take an active role in the communities they serve. There will be multiple opportunities throughout the year where NBT will ask for employee volunteers to help at events the bank has sponsored. These are great opportunities for NBT employees to serve our communities, while also spreading NBT’s brand. NBT also has a Community Involvement Program, where employees can earn additional PTO by volunteering at qualified events.

Reports to: Senior Credit Officer

Classification: Exempt

Summary/Objective

The Loan Administration Team Lead guides the lending admin staff and serves as the direct point of contact for all loan-related administrative duties, documentation, and workflow functions. This role indirectly supervises Loan Administration staff, ensuring loan files move efficiently and accurately from application through closing. This position combines hands-on-support work, team leadership, training, and quality oversight.

Essential Functions:

Reasonable accommodations may be made to enable individuals with disabilities to perform the

essential functions.

• Train new Loan Admins on loan file preparation, core systems, and documentation standards.
• Oversee loan file workloads across the team to meet turnaround times and service level expectations.
• Conduct performance check-ins, provide coaching and feedback, and contribute to annual performance evaluations.
• Serve as the escalation point for complex file issues, exceptions, or borrower concerns that Loan Admins cannot resolve independently.
• Assist with the review, and proofreading of loan documents, correspondence, and loan files for accuracy and completeness prior to closing.
• Track third-party services including credit reports, appraisals, title work, flood determinations, UCC lien searches and insurance verification.
• Review loan files for adherence to bank policy, credit approval terms, and applicable regulatory requirements (Reg B, Reg Z, Reg O, HMDA, CRA, BSA/AML, Flood Disaster Protection Act, etc.).
• Recommend and help implement process improvements to increase accuracy, efficiency, and consistency across the lending support function.

Supervisory Responsibility

The Loan Administration Team Lead will have supervisory responsibilities related to lending administration staff though most will not report directly to the position.

Physical Demands

The physical demands described here are representative of those that must be met be an employee to

successfully perform the essential functions of this job.

• The employee will frequently sit or stand for extended periods of time and must be able to remain in a stationary position.
• The employee will occasionally be required to move bank/office equipment weighing up to 30 pounds across premises.

Position Type

This is a full-time position.

Travel

This position requires the ability to commute to the different branches during Bank operations and on weekends when necessary.

Required Education and Experience:

• High school diploma or equivalent.
• Five years of loan document preparation experience.
• Knowledge of lending regulations including real estate and appraisal guidelines.
• Knowledge of legal and operational aspects of loan documentation.

Preferred Education and Experience:

• Bachelor’s degree in business, finance or equivalent skills.
• Experience in loan document preparation with a focus on commercial and residential real estate lending.
• Previous management experience preferred.
• Knowledge of legal and loan regulatory requirements.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employees for this job. Duties, responsibilities and activities may change at any time with or without notice.

All qualified applicants will receive consideration for employment and will not be discriminated against on the basis of race, color, religion, sex (including pregnancy) age, national origin, disability, genetic information, protected veteran status, or protective hairstyle and any other characteristic protected by federal, state or local laws.

A disabled individual requiring reasonable accommodation shall not be denied the opportunity due to a disability. The applicant should contact Human Resources if reasonable accommodation is required during the application process at (817-752-2303)

All offers for employment with NBT Financial Bank are contingent upon the candidate having successfully completed a criminal background check. NBT Financial Bank will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state, and Federal law, including Section 19 of the Federal Deposit Insurance Act.

NBT Financial Bank is an equal opportunity/disability/protected veteran status employer

If interested please email resume to nbthrdept@nbt.bank.